Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Motor Claims – General

How would my NCD be affected if I make a claim?

If you make an Own Damage claim, Windscreen claim, Theft claim or a third party has made a claim against your policy, your No Claims Discount (NCD) is typically reduced to zero.
However, if you have purchased extra cover i.e. Windscreen/Tinting (Endorsement 89) or NCD relief (Endorsement 111) your NCD will either not be affected or you will be compensated an amount equal to your current entitlement shown in your policy upon renewal.
For Theft claims, your NCD will be forfeited regardless of any additional cover purchased.
If you are making a No-Fault Own Damage claim, you will not lose your NCD entitlement.

Recent FAQ

Can I authorise payment to my employer’s bank account if I am a foreign worker and do not have a bank account?

Yes, you can. However, this is a private arrangement between yourself and your employer, and the insurance company...

Motor Claims – Own Damage (OD)

What are the advantages of taking my car to a panel workshop?

If you select a workshop from our panel list, you’ll get better quality control on repairs and...

How do I get my reward?

Once you have successfully purchased your P&O motor insurance policy, you will be notified with your reward details by email & SMS within 1 week of your policy’s start date.